Points West Community Bank Mortgage Rates, Fees & Info

Windsor, CO

LEI: 5493009D7ZK3I86CJC09

Tax ID: 84-0240535

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Points West Community Bank is a smaller bank specializing in various types of mortgages.



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    Originations

    0

    Origination Dollar Volume (All Markets)

    $0

    Employee count

    57

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    PENTAGON FEDERAL CREDIT UNION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 9.5%
    PENTAGON FEDERAL CREDIT UNION Conventional home mortgage Trouble during payment process 8 38.1%
    PENTAGON FEDERAL CREDIT UNION Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 2 9.5%
    PENTAGON FEDERAL CREDIT UNION Home equity loan or line of credit (HELOC) Closing on a mortgage 2 9.5%
    PENTAGON FEDERAL CREDIT UNION Home equity loan or line of credit (HELOC) Struggling to pay mortgage 1 4.8%
    PENTAGON FEDERAL CREDIT UNION Home equity loan or line of credit (HELOC) Trouble during payment process 2 9.5%
    PENTAGON FEDERAL CREDIT UNION Other type of mortgage Trouble during payment process 3 14.3%
    PENTAGON FEDERAL CREDIT UNION VA mortgage Closing on a mortgage 1 4.8%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Points West Community Bank 100 East Third Street Julesburg, CO 80737 Full Service B&M $66,391
    Points West Community Bank 128 South Colorado Avenue Haxtun, CO 80731 Full Service B&M $42,608
    Points West Community Bank 1291 Main Street Windsor, CO 80550 Full Service B&M $43,387
    Points West Community Bank 355 Eastman Park Drive Windsor, CO 80550 Full Service B&M $24,112
    Points West Community Bank 6801 W. 20th Street Greeley, CO 80634 Full Service B&M $19,367
    Points West Community Bank 805 Compassion Drive Windsor, CO 80550 Full Service B&M $0
    Points West Community Bank 8100 6th Street Wellington, CO 80549 Full Service B&M $19,236

    For 2019, Points West Community Bank had 7 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $12,336
    Net interest income $10,685
    Total noninterest income $705
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $241
    Trading account gains and fees $0
    Additional Noninterest Income $464
    Pre-tax net operating income $5,004
    Securities gains (or losses, -) $0
    Income before extraordinary items $5,004
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $5,004
    Minority interest net income $0
    Net income $5,004
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $5,004

    Points West Community Bank's gross interest income from loans was $12,336,000.
    Points West Community Bank's net interest income from loans was $10,685,000.
    Points West Community Bank's fee based income from loans was $241,000.
    Points West Community Bank's net income from loans was $5,004,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,651
    Provision for credit losses $0
    Total noninterest expense $6,386
    Salaries and employee benefits $3,944
    Premises and equipment expense $712
    Additional noninterest expense $1,730
    Applicable income taxes $0
    Net charge-offs $-86
    Cash dividends $5,200

    Points West Community Bank's interest expense for loans was $1,651,000.
    Points West Community Bank's payroll and benefits expense were $3,944,000.
    Points West Community Bank's property, plant and equipment expenses $712,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 2.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $212,724
    Deposits held in domestic offices $212,724
    Deposits by Individuals, partnerships, and corporations $171,674
    Deposits by U.S. Government $1
    Deposits by States and political subdivisions in the U.S. $41,049
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $106,101
    Demand deposits $106,101
    Nontransaction accounts $106,623
    Money market deposit accounts (MMDAs) $32,862
    Other savings deposits (excluding MMDAs) $29,846
    Total time deposits $43,915
    Total time and savings deposits $106,623
    Noninterest-bearing deposits $58,261
    Interest-bearing deposits $154,463
    Retail deposits $201,735
    IRAs and Keogh plan accounts $3,359
    Brokered deposits $267
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $259,886
    Cash & Balances due from depository institutions $9,686
    Interest-bearing balances $4,686
    Total securities $65,801
    Federal funds sold & reverse repurchase $700
    Net loans and leases $168,138
    Loan and leases loss allowance $3,671
    Trading account assets $0
    Bank premises and fixed assets $5,861
    Other real estate owned $0
    Goodwill and other intangibles $1,058
    All other assets $8,642

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $259,886
    Total Liabilities $232,355
    Total deposits $212,724
    Interest-bearing deposits $154,463
    Deposits held in domestic offices $212,724
    % insured (estimated) $77
    Federal funds purchased and repurchase agreements $5,984
    Trading liabilities $0
    Other borrowed funds $12,844
    Subordinated debt $0
    All other liabilities $803

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $168,138
    Loan and leases loss allowance $3,671
    Total loans and leases (domestic) $171,809
    All real estate loans $125,279
    Real estate loans in domestic offices $125,279
    Construction and development loans $26,602
    Residential 1-4 family construction $10,819
    Other construction, all land development and other land $15,783
    Loans secured by nonfarm nonresidential properties $50,809
    Nonfarm nonresidential secured by owner-occupied properties $26,209
    Commercial real estate & other non-farm, non-residential $24,600
    Multifamily residential real estate $737
    1-4 family residential loans $17,132
    Farmland loans $29,999
    Loans held in foreign offices $0
    Farm loans $27,016
    Commercial and industrial loans $16,721
    To non-U.S. addressees $0
    Loans to individuals $1,579
    Credit card loans $0
    Related Plans $194
    Consumer Auto Loans $1,066
    Other loans to individuals $319
    All other loans & leases $1,471
    Loans to foreign governments and official institutions $0
    Other loans $42
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Points West Community Bank had $168,138,000 of loans outstanding in 2019. $125,279,000 of loans were in real estate loans. $26,602,000 of loans were in development loans. $737,000 of loans were in multifamily mortgage loans. $17,132,000 of loans were in 1-4 family mortgage loans. $27,016,000 of loans were in farm loans. $0 of loans were in credit card loans. $1,066,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 93 $20,468 $220,086
    Nonfarm, nonresidential loans - <$100k 25 $777 $31,080
    Nonfarm, nonresidential loans - $100-250k 24 $3,311 $137,958
    Nonfarm, nonresidential loans - $250k-1MM 44 $16,380 $372,273
    Commercial & Industrial, US addressed loans - <$1MM 221 $6,853 $31,009
    Commercial & Industrial, US addressed loans - <$100k 168 $2,372 $14,119
    Commercial & Industrial, US addressed loans - $100-250k 31 $2,109 $68,032
    Commercial & Industrial, US addressed loans - $250k-1MM 22 $2,372 $107,818
    Farmland loans - <$1MM 74 $10,540 $142,432
    Farmland loans - <$100k 19 $1,225 $64,474
    Farmland loans - $100-250k 38 $4,867 $128,079
    Farmland loans - $250k-1MM 17 $4,448 $261,647
    Agriculture operations loans - <$1MM 211 $14,489 $68,668
    Agriculture operations loans - <$100k 144 $3,727 $25,882
    Agriculture operations loans - $100-250k 44 $4,635 $105,341
    Agriculture operations loans - $250k-1MM 23 $6,127 $266,391